Disappointed Customer

Just received an email from an attorney that I have been handed over for amount due 2 May 2020. Firstly at no given time did Standard Bank call me or mention that I was to pay immediately or they were going to hand me over for an amount due in May. The letter from the attorney stating that my credit records will be affected and so on. Yet these dum idiots send me a message to increase my credit limit at these tuff times of Covid 19. The question is, is Standard Bank putting up false advertising about helping South African citizens and then handing over their customers unnecessarily. I'm disappointed with Standard Bank.